/
M4 CS (2023-2024)

Can you afford a 2023-2024 BMW 4 Series M4 CS in 2025?

# 2023-2024 BMW M4 CS The BMW M4 CS sits between the standard M4 Competition and hardcore GT4, offering 543 horsepower from its twin-turbo inline-six and shedding weight through carbon fiber components. Limited to coupe form only, it features adaptive suspension, track-oriented aerodynamics, and a stripped-back interior with rear seats retained. Reviewers praise its sharpened handling dynamics and raw driving engagement, though the polarizing vertical grille remains controversial. The CS is celebrated for striking an ideal balance—more usable than the GT4 while significantly more focused than the regular M4. It's well-suited for driving enthusiasts seeking a special-edition performance car that excels on back roads and occasional track days without sacrificing daily drivability. With limited production numbers, it's become a collectible modern M car appealing to purists who value analog driving experiences in an increasingly electrified BMW lineup.

The 2023-2024 BMW M4 CS features premium maintenance costs typical of high-performance BMWs, including expensive carbon-ceramic brakes (optional but common) and specialized tires. Requires premium fuel and synthetic oil changes. Insurance rates are notably high due to performance classification. Limited reliability data exists, though underlying S58 engine has proven generally robust in other M models.

Price Range
$105,000 - $130,000
Market price for 2025
Estimated Annual Costs
Insurance:$2,800
Maintenance:$3,500

Affordability Calculator

We have preconfigured our calculator for this vehicle

Enter Your Information

Calculation Type

Vehicle Details

$

Payment Method

Additional Details

Loan Parameters

$

Cost Adjustments

$

Additional Monthly Costs

$
$
$

Why Use This Calculator?

Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.

For Loan Financing:

  • Safe Range: Follows the , ensuring you can comfortably afford your car payment
  • Stretch Range: A moderate approach that balances affordability with your goals
  • Lender Max: What banks typically approve, but may strain your budget

For Cash Purchases:

  • Conservative: Uses 5% of net worth, maintaining strong financial reserves
  • Safe: Uses , following the recommended guideline
  • Stretch: Uses 15% of net worth, for when you want to prioritize the car

Built to help you make informed car buying decisions. Always consult with a financial advisor for advice.

This calculator provides estimates only and should not be considered financial advice.

© 2025 Archipelago Labs Inc. All rights reserved.